People Come First At Our Consumer Rights Law Firm
Under Section 1692d of the Fair Debt Collection Practices Act (“FDCPA”) a collector may not engage in any conduct the natural consequence of which is to harass, oppress or abuse any person in connection with the collection of a debt. This conduct includes but is not limited to, causing a telephone to ring or engaging any person in telephone conversation…
There are many issues to consider when buying a used car. If you are purchasing a used car, review the following tips to avoid unexpected bumps in the road. Find a reputable dealer to purchase your vehicle. Talk to friends and family and see if they can recommend a used car dealer. Research the dealer that you are considering and…
Your credit report is an extremely personal piece of information that explains your credit history in detail in a world where we rely heavily on credit to survive. The good news is, not anyone can review this document, unless you give them permission. As a consumer, you can review your own credit report at any time without damaging your credit…
Pursuant to the Fair Credit Reporting Act (“FCRA”) upon receiving notice of a dispute from a consumer regarding inaccurate information on a credit report, the credit reporting agency (“CRA”) and furnisher of the account have a duty to conduct a reasonable investigation into the dispute within 30 days and report back to the consumer with the results. The law is…
Consumers call our law firm with many questions about debt collectors. Frequently, consumers ask what to do about harassing debt collection calls. Here is the answer: 1. Find out who is calling you. Pick up the phone and ask the caller for the name of the caller and their location. Write down the number on your caller identification. Either call…
While the list of Fair Credit Reporting Act (“FCRA”) violations may seem endless, below is a list of the most common violations in no specific order. 1. Reporting inaccurate information Creditors can only report information to the credit reporting agencies (“CRAs”) that is accurate and may be liable under the FCRA for failure to do so. Examples of inaccurate reporting…
As I have discussed before in a previous post about credit scores, your credit score is made up of numerous pieces of credit data from your credit report. It considers both positive and negative information compiled on you and is the driving force behind what type of credit you are granted. Consumers nationwide have a hard time understanding the basic…
Inheriting credit card debt when a spouse dies is a stressful and legitimate concern of partners at any age. When a person dies, his or her credit card debt does not automatically disappear. Whether the credit card company can recover the debt depends on three factors, whether or not the account had a co-signor, the amount of money and property…
Telemarketers are calling you non-stop. You no longer answer the calls, but the phone continues to ring over and over again. What should you do and what are your rights? What are telemarketing calls? These are calls that act as an advertisement. They are telephone solicitations. This does not include calls where you have given express permission to the company…
A new regulation passed by The Consumer Financial Protection Bureau (“CFPB”) will hold banks accountable for their conduct when collecting debts under the Fair Debt Collection Practices Act (FDCPA”). Previously, only third party collection agencies and not original creditors, were forced to comply with the standard of conduct required under the Act. Under this regulation, banks can be held accountable…